What is the minimum length of service for calculating a pension in Russia?

What is the minimum length of service for pension payment?

Work experience is the total duration of work and other activities. For the payment of a pension, the insurance period is important, i.e. the periods of time when a person received income and the employer made contributions to the Pension Fund for the person. If it is less than established by law, then he will not be able to be assigned an old-age insurance pension.

The minimum period of work is not the only condition for assigning insurance pension payments. In the Russian Federation, the so-called point system is used. A person needs to score a certain number of points (receive the appropriate individual pension coefficient (IPC)), otherwise, even if he has the required period for paying insurance premiums, he will not be assigned an old-age insurance pension.

It is also useful to read: How pension points are calculated

Important! Disabled people receive insurance pension payments provided they work at least 1 day.

The system with points and insurance (work) experience began to be used in 2015. Before this time period, different rules applied.

It is also useful to read: How to increase pension points

What is the minimum length of service to receive a pension?

A citizen has the right to purchase additional experience in the Pension Fund if he is slightly short of the established standards. Then there will be no need to work additionally, and the person will be able to become a pensioner immediately after making a voluntary contribution. But this opportunity is provided only to those who have at least half of the minimum experience.

• How much service do you need to earn to receive a pension?
• How much work experience is required for a minimum pension?
• How much work experience is required for a minimum pension?

If a citizen has less than 11 years of service in 2021, then his retirement will be delayed until the required number of years has been accumulated. However, it must be remembered that the minimum standards increase annually. Therefore, it may turn out that a person will continue to work, but he will still lack experience. As a result, he will be constantly “catching up” until he reaches the final standard - 15 years.

How many years of experience do men and women need to retire after 2021 (read more...)

Types of work experience

Russian legislation regulating pension payments actively uses the concept of seniority. But it is necessary to take into account that there are different types of it, each of which plays an important role in certain situations.

The following types of work experience are distinguished:

1. General – takes into account the total duration of work or activity useful to society. Calculated on a calendar basis. Actively used until 2002.
2. Insurance – the total duration of activity when insurance premiums were paid. This is what is used now when determining the possibility of assigning a pension.
3. Special – periods when a person worked in a profession or under conditions that provided for the assignment of pension payments on preferential terms or in a special manner. Plays an important role in determining the start time of payments. It includes a significantly limited list of activities.
4. Continuous – the duration of continuous work at 1 enterprise or in several organizations, if the transition period does not exceed the norms established by law. Currently, this concept has been completely eliminated in the pension system.

It is also useful to read: How to calculate total work experience

The most important factors for assigning pension payments are insurance and special service. The age at which a person can retire and various payment parameters directly depend on them.

Length of service refers to special length of service, but it in itself is a legal fact sufficient to assign a pension. If you have the required length of service, the person’s age and other parameters will not be important for assigning a pension.

Read more: What is length of service?

What is the minimum length of service to receive a pension?

When calculating how much length of service is necessary to calculate a pension for both Russian citizens and foreigners permanently residing in the Russian Federation who are entitled to old-age payments, it is necessary to take into account confirmation of the time they worked in the Russian Federation and abroad. The latter can be done provided that this norm is spelled out in the legislation or an international treaty of the Russian Federation or insurance premiums have been received by the Pension Fund of the Russian Federation.

• How much service do you need to earn to receive a pension?
• How much work experience is required for a minimum pension?
• How much work experience is required for a minimum pension?

Calculations of how many years of experience are needed for a pension occur in calendar order from a whole year (12 months). Every 30 days of such output are reduced to months, and every 12 months - to full years. When several periods are combined in time, one of them is taken into account at the choice of the applicant or a more advantageous period is used.

How long do you need to work for an insurance pension (read more...)

What is the minimum length of service for calculating a pension in Russia?

Initially, the system of calculating pensions based on length of service and points began to be used in 2015, but the transition to it is being carried out gradually. Every year the number of points increases, and the period for payment of insurance premiums for retirement increases.

If in 2015, 6 years of payment of insurance premiums and 6.6 points (coefficients) were enough to receive, then in 2021 the requirements are already much higher - 10 years and 16.2 points. In 2024, the requirements for the period for payment of insurance contributions reached its maximum - 15 years (in this case it will be necessary to have at least 28.2 points), and in 2025 the transition to a new system for assigning pensions will be fully completed, and the requirements for the coefficient will increase to the maximum - thirty.

Table. Requirements for the minimum duration of periods for paying insurance premiums and the individual coefficient in different years.

The minimum requirements for IPC and periods for payment of insurance premiums are the same for women and men. But one more condition is that the age attainment will vary.

Reference! In 2021, a law was passed to raise the retirement age. Now there is a gradual increase in it.

Women

Starting from 2021, there is a gradual increase in the age for determining payments from the Pension Fund for women. If before 2021 it was 55 years, then by 2023 it will reach 60 years. The retirement age is raised gradually - 1 year is added annually.

Women who, according to the old rules, were supposed to retire in 2021 and 2021, were given a small benefit. They will be able to arrange payments six months earlier than provided for by the new rules, i.e. at the age of 55.5 and 56.5 years, respectively.

For men

For men, the retirement age is also raised by 5 years. Until 2018, they could retire at age 60 according to standard rules, but from 2023 this will only be possible at age 65. The increase also occurs gradually - 1 year is added to the age of future pensioners annually.

In 2021 and 2021, benefits are also provided for the assignment of pensions six months earlier than required under the new rules.

What is the minimum length of service to receive a pension?

Women who, according to the old rules, were supposed to retire in 2021 and 2021, were given a small benefit. They will be able to arrange payments six months earlier than provided for by the new rules, i.e. at the age of 55.5 and 56.5 years, respectively.

In the absence or insufficient experience, as well as in a situation where a person has no or insufficient points, he is assigned a social pension. It has several significant differences:

What is the minimum length of service for payment of a pension (read more...)

What periods of work experience are taken into account?

The work experience takes into account according to standard rules the periods when contributions to the Pension Fund were made. This reflects the essence of the ongoing reforms, as a result of which pension provision will have to be based on the insurance principle.

Typically, contributions to the Pension Fund per person are paid by the employer. This rule is met if the citizen is officially employed and the employing organization makes all transfers to extra-budgetary funds required by law. All funds received from the employer are accounted for in a separate personal account, and point coefficients are calculated based on their amount.

All reports to the Pension Fund for the correct assignment of pension benefits in the future are also submitted by the employer. The citizen himself can at any time request from the Pension Fund a certificate of his personal account and find out about the accumulated coefficients and other important information.

Important! If a person operates as an individual entrepreneur, then he pays contributions to the Pension Fund for himself.

Read more: Individual entrepreneur pension

Additional time is included in the length of service when a person is on sick leave, on leave to care for a child up to 1.5 years old, or undergoing military service. If a citizen has to care for a disabled child, an elderly relative, etc., then this time will also be included when calculating the insurance period.

Read more: Is maternity leave included in seniority?

This video talks about periods of work and other periods that are counted towards the insurance period for a pension:

Who can apply for an early retirement pension?

Although the state is raising the retirement age, benefits have been maintained for many categories of the population. They allow you to count on the assignment of collateral from the Pension Fund much earlier.

The main types of benefits for early registration of a labor pension:

1. Professional. If a person works in difficult and/or dangerous conditions, then he may be granted the right to receive security from the Pension Fund of the Russian Federation earlier than generally established norms. For example, miners or workers in hot shops can take advantage of this benefit.
2. Territorial. If a citizen works in the Far North, then he can count on the opportunity to finish his working career and retire before reaching the generally established age. These benefits are also available to certain other individuals.
3. Social. Having a certain social status allows you to retire earlier than is established for citizens without such status. For example, mothers with many children, representatives of indigenous peoples, if they lead a traditional lifestyle, etc. have the right to take advantage of such a benefit.

Important! Having the right to benefits does not lead to exemption from the need to fulfill requirements for individual coefficients, deadlines for paying insurance premiums, etc.

Is it possible to receive a pension if there is insufficient or no experience?

The Russian state is rightfully considered social. Even if a person has never officially worked in his life, and deductions have never been made for him to extra-budgetary funds, he will not be left without a means of subsistence in old age.

In the absence or insufficient experience, as well as in a situation where a person has no or insufficient points, he is assigned a social pension. It has several significant differences:

• Can only be assigned to disabled persons. It is impossible to work and receive social pension payments at the same time.
• The size of insurance pension payments, of course, will be greater than social ones. But it's still better than nothing.
• The age for assigning social benefits is higher. It is increased by 5 years and rises along with the standard age for assigning pension benefits.

Read more: Old-age pension without work experience

Having a certain length of work experience is an important condition for assigning pension insurance. If it is not enough, then the person can only count on social pension payments, which are assigned 5 years later. But we must not forget that in order to retire and receive the required monetary support from the state, other conditions must also be met.